Build credit for free.
No credit card, no fees, no catch.
Get started in seconds.


You’ll build credit by establishing a payment history with Kikoff. Best part? You already have everything you need to get started.

1. Signup for a
Kikoff account.

Get instantly approved after verifying your identity.

No bank account, credit card or credit score needed.

2. Get approved
for our plan.

Receive funds from our loan to kick off your payment history.

We’ll deposit your cash ($12) instantly.

3. Pay us back
each month.

Pay back $1 each month to demonstrate your credit.

With just one click each month, you’ll be building credit.


Lenders want to know that you’ll be responsible with money. That’s why payment history makes up 35% of every credit score. We’ll help you build a record of on-time payments to show the credit bureaus.

If you’re new to credit, expect to see a 600+ score within 30 days of getting started with Kikoff.



At Kikoff, we believe everyone should have access to financial opportunity.

We’re committed to making credit building more accessible, widening the circle of opportunity for everyone.

We saw it happening too often — friends and family being rejected for apartments and car loans, and overpaying on mortgage interest payments. Though they had a job and an income, they waited too long to start building credit.

Today, your financial health is like your medical health. You get it from your parents, both the good and the bad. With a combined twenty years of financial technology experience at some of the most well-known names, our founders made it their mission to democratize access to credit. Whether you're credit beginning, credit invisible, credit damaged, or credit experienced, who you are is enough to get started.

Kikoff is venture-capital backed and funded by many of Silicon Valley’s most savvy investors — including social impact investors.